Yes, it is possible to reverse money sent to a wrong number or till even when the transaction utilized Fuliza M-PESA.
When you accidentally send funds to an incorrect recipient through M-PESA, the system generally allows for a reversal process. This capability extends to transactions where Fuliza M-PESA was used to complete the payment, acting as an overdraft facility to cover the difference when your M-PESA balance is insufficient.
Key Considerations for Reversals Involving Fuliza
While the principal amount sent incorrectly can typically be reversed, there's a crucial detail to remember:
- Transactional charges will not be reversed. This means any fees or charges incurred for the original M-PESA transaction, including those associated with using Fuliza, will not be refunded.
It's also important to understand that Fuliza M-PESA is designed as an overdraft service to enable seamless M-PESA transactions, rather than a traditional loan product.
How to Initiate a Reversal
For the best chance of a successful reversal, especially when dealing with wrong number transactions:
- Act Quickly: Time is of the essence. The sooner you initiate the reversal process, the higher the likelihood of retrieving the funds before they are withdrawn or spent by the unintended recipient.
- Forward the M-PESA SMS: For amounts up to KES 20,000, you can often forward the M-PESA confirmation message containing the transaction details to the number 456. This initiates an automated reversal process.
- Contact Safaricom Customer Care: For larger amounts, or if the automated process is unsuccessful, it is advisable to contact Safaricom Customer Care directly. Provide them with all the transaction details (transaction code, amount, date, time, and wrong number/till number).
Summary of Reversal with Fuliza
To clarify the outcome of a reversal when Fuliza was involved, refer to the table below:
| Aspect | Outcome in Reversal (Fuliza Used) |
|---|---|
| Principal Amount Sent | Generally reversible |
| Transactional Charges | Not reversed (remain incurred) |
| Fuliza Product Nature | Overdraft facility (not a loan) |
For more general information on M-PESA services, you can visit the official Safaricom website: Safaricom M-PESA FAQs
